2908 E 5th Ct, Panama City, FL 32401 Property Records

Bay County property record for 2908 E 5th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 520 sqft · built 1945
Lot Size	0.112 acres (4,922 sqft)
Owner	Individual Name on Record
Tax Bill	$150 (2024)
Deeds & Mortgages	Jul 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23274-000-000`

Property Details

APN / Parcel Number

Primary APN	`23274-000-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	520 sqft Heated Area
Gross Area	612 sqft
1st Floor Area	520 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,922 sqft (0.112 acres)
Lot Dimensions	66 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	92 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC

Location & Zoning

Street Address	2908 E 5TH CT
City	PANAMA CITY
State	FL
Zip	32401-5213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC03
Legal Description	11 4S 14W -265- MAP 118C2 BEG 409' N & 125' E OF SW COR OF SE1/4 OF NW1/4 OF NW1/4 TH
Legal Range	14W
Legal Township	04S
Legal Section	11
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	1
Census Block	1042
Census Tract	1700

Owner

Source: Bay County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2908 E 5TH CT, PANAMA CITY, FL 32401-5213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2015
Deed Sale	Jan 23, 2015
Prior Sale	Jan 23, 2015
Deed Document Number	0036700891
Deed Book / Page	003670 / 000891
Last Transfer Date	Jul 8, 2022
Transfer Doc	0045860107
Record Updated	Jun 8, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Jul 8, 2022
Property Address	2908 E 5TH CT, PANAMA CITY, FL 32401-5213
Document Number	0045860107
Book / Page	4586 / 107
Instrument Date	Jul 8, 2022
Instrument	2022051217
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2908 E 5TH CT, 2908, PANAMA CITY, FL 32401-5213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	473 GRIGGS RD, CLOVER, SC 29710-8375

Tax Assessment & Valuation

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$18,101 (+5.98%)	$33,952 (+23.96%) Land $16,819 Building $17,133
2024	$150.00 (+13.64%)
2023	$132.00 (-40.27%) Homeowner's exemption	$17,079 (-8.83%)	$27,390 (+39.87%) Land $11,385 Building $16,005
2022	$221.00 Homeowner's exemption	$18,734	$19,582 Land $10,608 Building $8,974

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	16 (1999–2024)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Michael, Oct 2018 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20